Morrison Crossroads, AL
Morrison Crossroads wildfire risk explained
USFS's Wildfire Risk to Communities model puts Morrison Crossroads at the 89th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 221 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Morrison Crossroads at the 92nd percentile, close to its 89th-percentile risk score.
Morrison Crossroads's building exposure, zone by zone
221 buildings are counted in Morrison Crossroads, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Morrison Crossroads against the rest of the country
Morrison Crossroads's risk sits at a similar level relative to Alabama (96th percentile statewide) as it does nationally (89th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Morrison Crossroads ranks 3,421 for wildfire risk (1 is highest) and 24,070 by building count (1 is largest). Within Alabama alone, it ranks 23 of 592 places by risk. See the full county-by-county picture for Alabama on its state page.
Shopping for coverage in Morrison Crossroads
Morrison Crossroads's 89th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Morrison Crossroads's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 221 counted buildings into the percentiles shown above for Morrison Crossroads. For more on what direct exposure implies beyond Morrison Crossroads, see the exposure-zones guide.